1996 Chevrolet Blazer Insurance Quotes

Trying to find the cheapest car insurance rates? Buyers have options when searching for the best price on Chevy Blazer insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to compare rates.

There are more efficient ways to buy car insurance so we’re going to tell you the best way to price shop coverage on a Chevy and get the lowest possible price from both online companies and local agents.

Low cost car insurance quotes online

Most companies like GEICO, State Farm and Progressive give prices on the web. Getting quotes is pretty easy as you just type in your required coverages into a form. Upon sending the form, their rating system will order information on your driving record and credit history and returns a price quote based on the data you entered.

Quoting online makes it easy to compare insurance prices but the process of having to visit different websites and complete many quote forms is monotonous and tiresome. But it’s very important to perform this step if you are searching for a better rate.

A more efficient way to lower your car insurance bill uses one simple form to get prices from several companies at one time. It’s a real time-saver, requires less work, and makes price shopping online a lot less work. Once the form is submitted, it is quoted and you can choose any of the resulting price quotes.

If you find a better price it’s easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and enter your information. If you have a policy now, it’s recommended that you enter identical to your current policy. This makes sure you will get rate quotes for exact coverage.

How much auto insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions might point out if you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Do I need roadside assistance coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Why is insurance for a teen driver so high?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I getting all the discounts available?
  • When do I need to add a new car to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is covered by UM/UIM coverage?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, doctor visits and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as bail bonds, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Blazer resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a parking meter, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.